About PropertyCalcHub

Free, accurate, professional-grade property calculators for everyone — no sign-up, no paywalls, no nonsense.

Our Mission

Property decisions are among the most significant financial decisions most people make. Yet too many buyers, landlords and investors make them without the right tools — either because professional calculators are paywalled, overly complex, or just don't exist for their country.

PropertyCalcHub was built to fix that. We provide the same quality of analysis previously locked behind expensive software subscriptions — completely free, for everyone.

Meet the Editor

Muhammad Umar Khan

Founder & Editor · PropertyCalcHub

Muhammad Umar Khan is the founder and editor of PropertyCalcHub. He leads the site’s calculators and guides covering mortgages, stamp duty, property tax, closing costs, buy-to-let and rental returns across the UK, US, Canada and Australia — with a focus on turning complex property-finance rules into clear numbers people can use before they buy, sell or invest.

His editorial approach is simple: start with official government, tax-authority and central-bank guidance — HMRC, the IRS, the Tax Foundation, CMHC and the ATO — cross-check the figures that actually affect a transaction, and explain them in plain English. He reviews PropertyCalcHub’s tools and articles to keep rates, thresholds and worked examples accurate and up to date.

Our Calculators

Calculator	What It Does	Countries
Stamp Duty	SDLT, LBTT, LTT with all buyer types	🇬🇧 UK
Affordability	Max borrowing by country rules	🇬🇧🇺🇸🇨🇦🇦🇺
Mortgage Repayment	Monthly payment, interest, amortisation	🇬🇧🇺🇸🇨🇦🇦🇺
Buy-to-Let ROI	Yield, cash flow, Section 24, projection	🇬🇧 UK
Rental Yield	Gross & net yield, city benchmarks	🇬🇧 UK
Rent vs Buy	Break-even, 25-year wealth comparison	🇬🇧 UK
Cap Rate	NOI, cap rate, implied value	🇬🇧🇺🇸🇨🇦🇦🇺

Data Sources & Methodology

All calculations use publicly available data from authoritative government and regulatory sources:

UK stamp duty (SDLT): HMRC — GOV.UK
Scotland LBTT: Revenue Scotland
Wales LTT: Welsh Revenue Authority
UK mortgage rules: Financial Conduct Authority (FCA)
Canadian stress test: OSFI (Office of the Superintendent of Financial Institutions)
Canadian mortgage insurance: CMHC
US lending rules: CFPB, Fannie Mae, FHA guidelines
Australian lending: APRA prudential standards
UK rental data: ONS, Zoopla Rental Market Report, Rightmove
UK house prices: ONS House Price Index

⚠️ Important Disclaimer

PropertyCalcHub provides calculators and information for educational purposes only. Results are estimates based on the inputs you provide and publicly available rates. They do not constitute financial, tax, legal or investment advice. Always consult qualified professionals — a mortgage broker, financial adviser, solicitor and accountant — before making property decisions. Rates, tax rules and regulations change frequently; always verify current figures with official sources.

Contact

Found an error in one of our calculators? Have a suggestion for a new tool? We'd love to hear from you.

📧 Email: [email protected]

Privacy

PropertyCalcHub does not collect, store or sell any personal data. All calculations happen locally in your browser — we never see the numbers you enter. We use Google Analytics (GA4) for anonymous traffic statistics only. We do not use cookies beyond what is strictly necessary for site functionality.

PropertyCalcHub is an independent information website. We are not affiliated with HMRC, the FCA, OSFI, CMHC, APRA or any government body. Last updated: August 2026.